3 Reasons Why Working Capital is Vital for Your Business

While there are many things that are integral to the successful operation of a business, working capital is arguably the most important.

After all, without a regular and measurable stream of disposable income, businesses may struggle to drive long-term growth and meet the real-time demands of their clients. This may ultimately lead to the demise of your business, regardless of its premise or the uniqueness of its proposition.

In this article, we will look at three of the key factors that reinforce the importance of working capital for your venture: –

1.Working Capital Covers Daily Operations Costs and Unexpected Payments

Essentially, attempting to operate a business without working capital is like trying to pay bills without an income. After all, you cannot cover the basic cost of living without a source of income, while also prevents you from seeking external credit from elsewhere.

Similarly, businesses rely on working capital to cover routine costs, fund daily operational costs and settle sudden, unexpected payments. It is therefore the lifeblood of any successful venture, particularly one that is able to generate turnover consistently without the need to secure outside investment.

2.Working Capital Bridges the Gap Between Consolidation and Growth 

If your business is able to generate a healthy and consistent source of working capital, it will also create genuine opportunities for growth over time. It therefore bridges a crucial gap in business expectations, enabling brands to simultaneously consolidate their existing workloads and take on new clients.

The service offered by companies such as Market Invoice embody this competitive advantage, as they pledge to buy company invoices for completed works. This can provide a sudden cash injection into your venture, while the amount is simply repaid once your clients have settled their bill (usually after a traditional invoice period of 30 days).

The income can subsequently be used as advanced working capital and committed to the undertaking of new tasks as required. The process can then can be repeated to create a cycle of growth, and one that does not require the business to take on long-term debts. 

3.Working Capital is a Metric of Growth and Liquidity

Most businesses will, at some point during their development, look to secure a large investment so that they can implement long-term development plans. Whether this involves relocating the business or diversifying into new markets, it is most likely that you will have to seek out an external investor who is willing to commit to your business in exchange for an equity share.

Investors will appraise your proposition in careful detail before making a decision, however, with working capital one the key metrics used to determine the health, liquidity and long-term growth potential of the business. It can offer an insight to your debt management strategy and underlying business model, for example, while it also highlights the companies efficiency when it comes to revenue collection.

These are all key considerations for investors, and a reliable stream of working capital can help to reinforce your business as a viable proposition.

Home Ownership

Essential Tips For Finding The Best Property

Best Property

Credit here

Moving house is always going to be a pain in the backside. You will have so much to think about that you’re almost certain to forget something important. Not only that, but your family will probably add to the stress, especially if you have young children. Even so, you’ll need to find the ideal property first, and that’s where most of the hard work comes into play. Throughout the course of this article, we’re going to present you with lots of tips that could help to make the process a little easier. At the end of the day, the last thing you want is to uproot your family and move into a less and suitable home. Considering that, you should pay close attention to all the advice we’re about to relay.

If this is the first time you’ve moved home as a family, there are lots of different elements you’ll want to think about. We’ve done our best to cover them all in this post. However, you still might like to create a “to-do” list. That is the best way of ensuring you don’t overlook anything, and your moving day goes as smoothly as possible. Whether you’re relocating due to a new job or you just fancy trying something new, the tips below will guarantee you stand the best chance of getting things right.

Choosing the best location

You’ll want to perform a lot of research when looking for a new home, but that’s much easier than it used to be. While you should still visit your chosen area to ensure it’s suitable, you can find lots of useful information online too. Crime rates usually play a big role in determining whether or not an area is suitable. Luckily, the government published regional crime statistics on a quarterly basis these days, and so you can find out everything in a matter of minutes.

Finding good schools

Presuming you have children, you’ll want them to attend a good school, right? Again, league tables are frequently released, and inspection reports are often published online. So, all you have to do is make a list of all the schools in the area and compare them using that information. It might also make sense to arrange appointments where you can take a tour of the school and speak with teachers. That should be enough for you to get a feel for the place. If you have any doubts, simply try somewhere else. It’s usually better for your children to attend schools closer to major cities as they tend to have more money and thus employ the best staff.

Considering your work commitments

When looking for a new home, you’ll want to make sure it’s within a suitable distance of your place of work. Nobody wants to spend more than an hour commuting each morning, and so you should draw a circle on the map of around thirty miles. Any further away than that, and you will be out of the house for far too long each day. Of course, if you’re lucky enough to work from home, that isn’t a problem. Unfortunately, most people don’t have that luxury.

Assessing your requirements

Depending on the amount of people in your family, their ages and their interests, you should aim to find a property that fulfills your needs. If one of your children plays a lot of football, you’re going to want somewhere with a big garden. Likewise, if you have lots of children, you’re going to need somewhere with enough bedrooms. That might sound like an obvious point, but you would not believe the amount of people who settle for somewhere unsuitable just to make the move happen as soon as possible.

Using real estate agents

While you will save some money if you look for a property off your own back, often the best technique involved employing the services of real estate agents. They will do most of the hard work for you. All you have to do is give them a list of requirements and wait until they get in touch with suggestions. Just be warned that agents will want to make the most commission possible, and so they will always try to push your budget as far as it can go. With that in mind, you should tell them you have slightly less money to spend that you actually have. That way, you should stay within your budget, even if they insist on showing you properties that are more expensive than you stipulated.

Advertising on social media

Social networks are fast becoming the best place to sell almost anything. For that reason, you should make a few posts on relevant pages explaining that you’re looking for a new home in your chosen location. You never know; you could find someone comments with details of a property they’re trying to sell that meets your requirements. Stranger things have happened.

Planning the move

Once you’ve found the best property you can afford, the only thing left to do is put in an offer and wait for it to be accepted. So long as the sale goes through, your next worry is the moving process. While some people like to handle the whole thing on their own, professional removals firms like The Professionals could help to make the endeavor much easier. There are plenty of similar companies in your local area, and you can find their details by searching online. The best thing about using a removals firm is the price. Their services are usually very affordable, and using them means you won’t have to lift a finger.

Thanks for taking the time to read through this post guys. We sincerely hope you are now in a better position to find the best property for your family. No matter where you want to live, an ideal home is out there. All you have to do is identify it, and the tips in this article should help you to do that in a timely manner.

Good luck with the move. See you next time!


Acquisition and Sources of Real Estate Investing

Property investment is the involvement of management, purchase, rental, sale, or ownership of a property that can be used as profit. Property development is the improvement of a specific realty property as part of the strategy in the investment of real estate. This is generally considered as a real estate sub-specialty. Relative to the other investment kinds, real estate is a form of asset that has fixed liquidity.

Real estate also is also regarded to be capital intensive and is highly dependent on cash flow. These factors must be well managed and understood otherwise the investor gives himself risks. One of the primary causes for investment to fail in working with real estate happens because the investor experiences a zero cashflow for a long time wherein the amount can’t be sustained, this will result to a forced reselling of the property gone into insolvency.

Acquisition and sources

Acquiring and searching for sources of real estate isn’t hard even though real estate markets in several countries aren’t that efficient or organized when compared with other having instruments of liquid investment. Individual properties are not interchangeable and are unique by themselves. This presents one big challenge to investors who wish to evaluate investments and price opportunities. This is one reason why when looking for properties wherein one can invest in, it involves competition and substantial effort among the investors to be able to purchase properties.
This will be variable with regards to the availability of knowledge. This gives a lot of opportunities for the investors to acquire properties at cheaper prices but poses an increased risk in terms of transaction. Investors of real estate usually use a number of appraisal methods to be able to figure out the value of the property before the purchase.
Sources of properties for investment include:
• Investment Property Companies
• Agents of real estate
• Market listings
• Private sales
• Public auction
• Wholesalers
As soon as a property fit for investment is found, the investor will negotiate a sale price and terms with the one selling the property, then after the business talk, the contract for sale will be executed. In order to be assisted in the process of acquisition, the investors can sometimes employ attorneys or agents having the knowledge about real estate. This is due to the deal that acquire a real estate posses a lot of complexes which might lead to a very expensive deal if executed improperly.

During property acquisition, the investor makes an offer to buy the reserve of the investor’s right to complete their transaction upon satisfactorily negotiating with the latter. This reservation money can be refunded or not and is a sign for the investor’s willingness and seriousness to purchase the property.

The terms for the offer in investing in property include several contingencies that allow the investor sufficient time to complete diligence and acquire financing before the final purchase. Throughout the contingency period, the one investing usually reserve the right to abolish the offer with no attached penalties and accomplish refund on money deposits. Once the contingencies expired, rescinding usually requires the forfeit of cash deposits and may sometimes leave penalties as well.

That is why, to prevent such penalties, the investor must have a great deal of understanding and knowledge on the venture that he has to overcome. Legal advises from people having investing backgrounds will greatly help to lessen the risk.

Mind Over Money

Ask And You Shall Receive

Ask-and-receive That’s a quote from the bible so it has some authority behind it. All you have to do is ask, and you’ll be surprised at what you will receive. This works in many aspects of life. I’ll focus on the saving money aspect of life because this is a personal finance blog and I followed those words recently to save some money.

Don’t be afraid

Why don’t more people ask for a discount? You should ask for a discount on everything you buy. I’ll admit I’m not quite there since I don’t ask for a discount at McDonald’s. But the point is that when you’re in a store looking to buy an item of value, you should ask “Can I get a discount on this?”

They want you to buy from them and if it takes a discount, they will give it to you. The worst they will say is no. I know it’s easy to say that’s the worst that can happen, but to actually believe that’s the worse that can happen when it comes time to ask is another thing. I’ll just give you this one piece of advice: Just do it! Don’t think about, just ask before you can talk yourself out of it.


Like I said before, they want you to buy from them. They don’t want to lose you to a competitor. Use that to your advantage.

Beth (My girlfriend, I’ll have to stop identifying her one day) saved some money recently buy doing this. She called one company and asked them their price and asked what the price included and if they price match. Then she called a competitor and found out the same info from them and had a cheaper price. After that, she called the original place and told them the competitors pricing. She ended up saving $100 and got free installation and rotation.

Use the free market for what it’s there for, to get a low price.


I will beat this fact to death, Knowledge is power. If you know how much a certain product goes for in the open market, you can use that to your advantage. When buying a car you can figure out how much a car goes for and use that knowledge to get a dealership to lower the price of a vehicle. Knowledge can also help you cut through the BS of a salesman. Don’t get taken for a ride just because you don’t know about what you want to buy.

I’ll leave you with this, to show you that it never hurts to ask.


Forex: the Trading Option That’s Taken the World by Storm

Forex or foreign exchange is the process of buying and selling currency. The simplest way to think of forex (or FX as it is sometimes known) is to think of a travel agent. When you go on holiday you buy the currency of the country you’re going to and sell the currency of the country you’re in. Essentially, you’re trading currency and this is very similar to forex trading.

What is Forex?

The forex market is one of the most liquid financial markets in the world and the daily volume of trade is around $4 trillion. This is because currencies have to be traded constantly in order for business to be conducted between countries. There’s no central forex location due to the global nature of the markets and its size means that it cannot be influenced by a single person or company. Realistically, it can only be shaped by world events.

Buying, Selling and Exchange Rates

Forex trading involves the simultaneous buying of one currency and the selling of another. Each transaction has to happen in a pair and each currency has an abbreviation e.g. EUR for the euro. The ability to trade these currencies stems from the fact that the value of both currencies in the pair is constantly changing.

In forex, any exchange rate between currency pairs are labelled as the bid price and the ask price. The difference between these two prices is known as ‘the spread’ and this is how your forex broker will make its money. As with any business, prices will vary between brokers, so shop around to make sure that you get the best deal.

Points and Pips


In order to turn a profit, you have to know exactly how spreads are measured. So, let’s look at an example:

If USD/EUR has a bid price of 1.400 and an ask price of 1.403 then the spread is three points or, as they’re known in the world of forex, three ‘pips’. A ‘pip’ is the smallest denomination that a currency can move by and this is the same for all currencies the world over.

How Often Can You Trade?

Due to the fact that the forex market is global and doesn’t have a central base, you can trade whenever you want from anywhere in the world. The forex market does not open at weekends, however, and this is the only time that you cannot place a bet. Just think of it being open 24 hours a day, 5 days a week. This means that you can trade at practically any time you want.

So, Why Invest in Forex?

If you regularly keep up with the news and follow the latest financial announcements then you have the opportunity to make a profit from forex. There’s no experience required and you can start from scratch whenever. Try watching some educational videos on trading basics to learn more and, if you think that forex is right for you, find yourself a broker and start investing.